5/5/2025 As students prepare to transition into the workforce, MNB Bank and the Independent Community Bankers of America (ICBA) are providing tips to put them on the path to a prosperous financial future. As a community bank, we can help new graduates take control of their financial situations and create a plan based on their unique circumstances and life goals. We know that the transition to the workforce can be challenging, and we offer support to new graduates who are establishing their financial independence. MNB Bank and ICBA offer the following tips to help graduates create a financial gameplan during their wealth-building years to set them up for success through their major financial lifecycle events: Start a budget. Learn about our online services designed to track and manage your finances. Pay off student loans. Ask about programs to help pay off student debt faster when negotiating benefits with prospective employers. Plan for retirement. Allocate a portion of each paycheck for savings and take advantage of employers 401(k) plans and any matching contributions offered. Spend responsibly. Comparison shop before making major purchases and stay within budget to avoid jeopardizing your financial goals. Establish an emergency fund to cover unexpected events. A good goal is three to six months of net pay. Start small or with a lump sum and build from there. It's never too early to take stock of your financial situation, develop and maintain good financial habits, and create a framework to help meet your financial goals and prepare for unexpected life occurrences.